Oh Kel, sorry i can't help but i know what you mean!
My wisdom teeth probably need to come out - they do cause me pain when they try to come through (once every three months) but i can't afford to have it done (i think its about 750 per tooth! )
And even though i've always taken good care of my teeth, i've somehow ended up with two cavities (that i can see) and one tooth has a nice big chip or hole in the side of it. I'm so annoyed and frustrated that my teeth have decided to play against me!
Not sure what the best option is for you - but do hear ya on the money side of things... i should have become a dentist, thinking about how much you have to spedn on them $$$$$$$$